WHAT IS HEART / CANCER PROTECT?
ICICI Pru Heart/ Cancer Protect is a health insurance plan that helps you manage your healthcare expenses when you are diagnosed with listed cancer and heart ailments. The plan offers, upfront payout of the cover amount without asking for hospital bills#; while the product offers high cover at very affordable premiums.
E.g. you can get a Rs. 20 lakh cancer cover & Rs.10 lakh heart cover at just Rs.192*/ month.
SIMPLE 4 STEP PROCESS:
Design your own plan
You have complete freedom to choose the amount of cover~ you want along with a range of add-on benefits.
Answer a few questions
Questions like your age, gender, smoking habits, your income, occupation etc. and basic health questions for underwriting your policy have to be answered.
Select your payment method
You can pay premiums through your ICICI Bank Credit/ Debit Card/ Internet Banking or through any other bank.
Get your policy issued in 5 minutes^!
Your policy can start within a few minutes, with zero hassles of medical tests.
^Subject to realization of payment & documents. Subject to your responses to the medical questionnaire, policy will be issued post basic document verification if all health questions STD.
BENEFITS UNDER THIS PRODUCT
The benefits offered under ICICI Pru Heart/ Cancer Protect helps you to be prepared for the unexpected.
Payout up to Rs. 75 lakh:
Heart/ Cancer Protect gives lump sum payouts of up to Rs. 75 lakh~ towards cancer and heart related problems. Learn more.
Add on benefits
Enhance your cover by choosing one or a combination of these benefits:
Increasing cover benefit##
Income benefit^^. Learn more
Cover amount will be paid upfront# on diagnosis of the illness, with no restriction on network hospitals.
Get Tax benefits
You can save tax each year up to Rs. 25,000 for premiums paid u/s 80D of the Income Tax Act***.
Heart and Cancer
#Doctors document confirming diagnosis need to be submitted
*The premium has been calculated for a 31 year old healthy male for a ₹20 lakh cancer cover and a ₹10 lakh heart cover for a policy term of 5 years and is exclusive of all taxes. The annual premium is ₹2,174 (exclusive of all taxes)
~ Up to ₹25 lakhs for heart cover + up to ₹50 lakhs for cancer cover. Cash Payout depends on the severity of the condition. Please refer the sales brochure carefully for the payouts at different level of conditions.
**You will get daily hospital cash benefit of Rs. 5,000 if you get hospitalised for a continuous stay of 24 hours, due to any of the listed conditions under your chosen cover. The benefit amount is fixed and will be paid irrespective of actual hospitalisation expenses. This benefit will be payable subject to a maximum limit of ten (10) days per policy year and thirty (30) days over the policy term. The yearly limit of number of days of hospitalisation cannot be carried forward to next year.
##The Sum Assured chosen at inception increases by 10% simple interest on each policy anniversary, for every claim free year. The maximum Sum Assured under the cover will be capped at 200% of the Sum Assured chosen at inception. This increase in Sum Assured will stop on occurrence of first claim under the cover. Where Cancer cover and Heart cover are chosen together, the Sums Assured for both the covers increase by 10% simple interest on each policy anniversary, for every claim free year. The maximum sum assured will be capped at 200% of the Sum Assured chosen at inception for each type of cover. In case of occurrence of first claim under any one type of cover, the increase in Sum Assured will stop for that cover type and Increasing Cover Benefit will continue for the other type of cover, for which no claim has occurred.
^^A discount of 5% on the first year’s premium will be offered on purchase of ICICI Pru Heart / Cancer Protect when life assured and his/ her spouse is covered under the same policy. The policy benefits of both the Lives Assured shall be independent of each other. The Sums Assured of both the lives could be different. A claim made by one Life Assured under the policy does not affect benefits of other Life Assured. This Family benefit has to be chosen at the inception of the policy only, spouse cannot be added once the policy is issued. This discount is not applicable on Single Pay Policy. With one policy, you can avail either Family Benefit or Loyalty Benefit.
***Tax benefits under the policy are subject to conditions u/s 80D of the Income Tax Act, 1961. Goods and Services Tax and Cesses will be charged extra over the premium amount as per the applicable rates. Tax laws are subject to amendments from time to time.
`This premium has been calculated for a 35 year old healthy male for a heart cover of ₹25 lakh and a cancer cover of ₹25 lakh for a policy term of 20 years and for all benefits chosen (i.e. hospital, income & increasing cover) and is exclusive of taxes. The annual premium is `18,263 (exclusive of all taxes)
~~Cancer cover provides protection against pre-cancerous (Carcinoma-in-Situ), early stage of cancer and severe stages of cancer. Zero stage cancer refers to Carcinoma in situ as per standard medical classification. Refer - http://www.cancer.gov/cancertopics/factsheet/Detection/staging. Heart cover provides protection against the most common listed heart problems. However Pre-Existing Diseases are not covered. Please refer the sales brochure carefully to know more about the illnesses covered
``To know more about the inclusions and exclusions on the listed minor and major conditions please read the sales brochure carefully
ICICI Prudential Life Insurance Company Limited. IRDAI Regn No. 105. CIN: L66010MH2000PLC127837
© 2016, ICICI Prudential Life Insurance Company Limited. Registered Address:- ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025. Insurance is the subject matter of the solicitation. For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Call us on 1-860-266-7766 (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India) and on 91-22-6193-0777 (Valid for calls made from outside India) (10am-7pm (IST), Monday to Saturday, except national holidays). Tax benefits under the policy are subject to conditions u/s 80D of the Income Tax Act, 1961. Goods and Services Tax and Cesses will be charged extra over the premium amount as per the applicable rates. Tax laws are subject to amendments from time to time. ICICI Pru Heart/Cancer Protect. UIN: 105N154V01.
Advt. No.: W/II/1615/2017-18
ICICI Bank Limited ("ICICI Bank") with registered office at ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara, 390 007, Gujarat (CIN: L65190GJ1994PLC021012) is a corporate agent (Composite, IRDAI Reg No.: CA0112 valid till 31/03/2019) of ICICI Prudential Life Insurance Company Limited ("ICICI Prulife"). Insurance is underwritten by ICICI Prulife.
The products, services and benefits referred to herein are subject to terms and conditions governing them as specified by ICICI Prulife from time to time. ICICI Bank is acting merely as a corporate agent of ICICI Prulife. Purchase by ICICI Bank’s customer of any insurance products is purely voluntary, and is not linked to availment of any other facility from ICICI Bank.
ICICI Bank shall not be liable or responsible for any loss resulting from insurance company's products/services.
Time limit on the validity:
Subject to applicable laws, all the information given above is valid for the term of the policy purchased.
BEWARE OF SPURIOUS PHONE/ FRAUD PHONE CALLS !
• IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
• Public receiving such phone calls are requested to lodge a police complaint.
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